Finance & Spend
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Corporate Cards · Comparison

Brex vs. Ramp vs. Mercury

Last verified 2 days ago · 47 sources · Updated automatically · v 2026.06

Three of the most-evaluated corporate card platforms for venture-backed companies, compared across company facts, pricing, card mechanics, rewards, spend controls, security and integrations — every cell sourced and re-checked from each vendor's public material.

B

Brex

AI-powered spend platform with cards, bill pay & treasury for scaling startups.

Founded 2017
HQ San Francisco, CA
Category Charge card
Visit Brex Full profile
R

Ramp

Finance automation platform built to cut spend — cards, expenses & procurement.

Founded 2019
HQ New York, NY
Category Charge card
Visit Ramp Full profile
M

Mercury

Banking-first platform; the Mercury IO card runs on your account balance.

Founded 2017
HQ San Francisco, CA
Category Charge card (IO)
Visit Mercury Full profile
Facts on this page are gathered from each vendor's public pricing, security and product pages, then re-verified on a rolling basis. Numbers like funding and valuation reflect the latest reported figures. See the 47 sources or flag anything out of date.
Attribute
BBrex
RRamp
MMercury

Company facts

Year founded
2017
2019
2017
Headquarters
San Francisco
New York City
San Francisco
Employees
~1,200
~1,000
~800
Total funding
$1.5B
$2.2B Highest
$450M
Latest valuation
$12.3B
$22.5B
$3.5B
Lead investors
Ribbit, DST, Y Combinator
Founders Fund, Thrive
a16z, CRV

Pricing

Starting price
$0 Essentials
$0 Ramp plan
$0 Free plan
Free plan
Yes
Yes
Yes
Premium tier
$12 /user / mo
$15 Plus /user / mo
$35 Plus / mo flat
Enterprise tier
Custom
Custom
$350 Pro / mo flat
Annual card fee
$0
$0
$0

Card features

Card type
Corporate charge
Corporate charge
Charge (IO)
Personal guarantee
None required
None required
None required
Limit basis
Cash balance & revenue
Bank & accounting data
Account balance
Repayment terms
Daily–Net 60
Net 30 monthly
Daily auto-pay
Physical cards
Yes
Yes
Yes
Unlimited virtual cards
Yes
Yes
Yes
International / FX cards
40+ currencies
Yes
USD only

Rewards & cash back

Rewards model
Points (Brex Rewards)
Flat cash back
Flat cash back
Base earn rate
1×–8× points
1.5% on all spend
1.5% on all spend
Category multipliers
Up to 8×
Flat rate
Flat rate
Partner perks
$200k+ in credits
$350k+ in credits
Startup perks
Points expire
No
N/A
N/A

Spend controls

Per-card spend limits
Yes
Yes
Yes
Vendor-locked cards
Yes
Yes
Yes
Approval workflows
Yes
Advanced
Yes
Receipt auto-match
Yes
AI-powered
Yes
Real-time alerts
Yes
Yes
Yes

Security & compliance

SSO & SAML
SAML 2.0
SAML 2.0
Plus tier
SCIM provisioning
Yes
Yes
No
SOC 2 Type II
Yes
Yes
Yes
PCI DSS Level 1
Yes
Yes
Yes
ISO 27001
Yes
No
No
Data residency
US
US
US

Integrations

Accounting (NetSuite, QBO, Xero)
All
All
QBO, Xero
HRIS sync
Yes
Yes
Limited
Slack & Teams
Yes
Yes
Slack
Open API access
REST
REST
REST
Marketplace apps
1,000+
200+
90+

The verdict

All three remove the personal guarantee and run on real-time data — the right pick comes down to what you optimize for.

B Brex
Best for scaling VC-backed startups

Highest credit limits, richest points program and global FX cards. The deepest platform if you'll grow into bill pay and treasury.

Visit Brex
R Ramp
Best for cost control & automation

Flat 1.5% back, the strongest approval workflows and AI receipt matching. Built around actively reducing spend, not just tracking it.

Visit Ramp
M Mercury
Best for banking + cards in one

If you already bank with Mercury, the IO card is the simplest add-on — fewest moving parts, no separate underwriting.

Visit Mercury

Sources · 47 verified references

brex.com/pricing ramp.com/pricing mercury.com/io brex.com/legal/security trust.ramp.com SEC / press releases + 41 more

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